Our Process

Sample Rates

Many people don’t realize just how affordable life insurance can be. Over the past 10 years, the cost for basic term life insurance has dropped by about 50 percent. The sample rates below will give you an idea of insurance costs for men and women of varying ages. If you smoke or aren’t in perfect health, you’ll pay more than the rates shown below. But don’t let that stop you from getting coverage. If your loved ones would suffer financially without you, life insurance is an absolute must.

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David, 36, works as a graphic designer for an energy company. We were able to get him a 20-year, $500,000 term policy for less than $25 a month.

Sonia, 44, is the head of human resources for a small manufacturing company. We were able to get her a 20-year, $500,000 term policy for about $40 a month.

Jim, 55, is the president and founder of a data management company that employs 30 people. We were able to get him a 15-year, $2 million term policy for about $370 a month.

Sophia, 25, recently got married and bought her first home. We were able to get her a 30-year, $250,000 term policy for less than $18 a month.

Wei, 41, has his own IT consulting business and is a father of three. We were able to get him a 10-year, $750,000 term policy for less than $32 a month.

Andrea, 32, is a stay-at-home mom. We were able to get her a 20-year, $400,000 term policy for about $20 a month.

Stephen, 45, is married and has two teenage sons. He works for a mobile security company and is one of their leading sales managers. We were able to get him a 10-year, $1.5 million term policy for about $80 a month.

Harold, 58, is a finance manager for a pharmaceutical company. He has a family history of heart disease. We were able to get him a 20-year, $200,000 term policy for about $150 a month.

Men

Age at time of
purchase

10-year, $250,000
term policy

20-year, $250,000
term policy

30

$10

$14

40

$12

$19

50

$25

$45

60

$63

$120

Women

Age at time of
purchase

10-year, $250,000
term policy

20-year, $250,000
term policy

30

$9

$13

40

$11

$16

50

$21

$34

60

$44

$84

All prices based on the applicant being a non-smoker in excellent health. Rates are monthly and rounded to the nearest dollar, as of May 2014.

Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states and may include those issued by: Allianz Life Insurance Company of North America, Minneapolis, MN and Allianz Life Insurance Company of NY, New York, NY are both members of Allianz Insurance Group, Minneapolis, MN; American General Life Insurance Company, Houston, TX; The United States Life Insurance Company in the City of New York, New York, NY, member companies of American General Life Companies; Assurity Life Insurance Company, Lincoln, NE; Aviva Accordia Life is a subsidiary of Global Atlantic Financial Group, West Des Moines, IA; Aviva Life and Annuity Company of New York, Melville, NY; American National Insurance Company, Galveston, TX; AXA Equitable Life Insurance Company (New York,NY); Banner Life Insurance Company is a subsidiary of Legal & General Group, Plc, London, UK; Legal & General America, Frederick, MD; Banner Life Insurance Company, Urbana, MD; William Penn Life Insurance Company of New York, Garden City, NY; Equitable Life and Casualty Insurance Company, Salt Lake City, UT; Fidelity Life Association, A Legal Reserve Life Insurance Company, Oak Brook, IL; First Central National Life Insurance Company, New York, NY and Household Life Insurance Company, Detroit, MI, member companies of HSBC Insurance; Genworth Life and Annuity Insurance Company, Richmond, VA and Genworth Life Insurance Company of New York, New York, NY, only Genworth Life Insurance Company of New York is admitted in and conducts business in New York, member companies of Genworth Financial, Inc.; Gerber Life Insurance Company, White Plains, NY; Great West Life and Annuity Insurance Company, White Plains, NY; Integrity Life Insurance Company, Cincinnati, OH and National Integrity Life Insurance Company, Goshen, NY are both members of Western & Southern Financial Group, Cincinnati, OH; John Hancock, Boston, MA; Liberty Mutual Insurance, Boston, MA; Lincoln Life & Annuity Insurance Company of New York, Syracuse, NY and The Lincoln National Life Insurance Company, Fort Wayne, IN, both insurance company affiliates of Lincoln National Corporation, whose marketing name is Lincoln Financial Group; MassMutual Life Insurance Company, Springfield, MA; First MetLife Investors Insurance Company, New York, NY, MetLife Investors USA Insurance Company, Irvine, CA and Metropolitan Life Insurance Company, New York, NY, all three members of the MetLife family; North American Company Life & Health, Chicago, IL and North American Company Life & Health of NY, Garden City, NY are both members of Sammons Financial Group, Chicago, IL; Principal Life Insurance Company, Des Moines, IA; Protective Life and Annuity, Birmingham, AL; Minnesota Life, St. Paul, MN; Pruco Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New Jersey, Newark, NJ, member companies of Prudential Financial, Inc., Newark, NJ; Prudential Financial, Newark, NJ; ReliaStar Life Insurance Company, Minneapolis, MN, ReliaStar Life Insurance Company of New York, Woodbury, NY and Security Life of Denver Insurance Company, Denver, CO, member of the ING VOYA family of companies; Securian Life Insurance Company, St. Paul MN; Symetra Life Insurance Company, Belluvue, WA; Transamerica Life Insurance Company, Cedar Rapids, IA; First Symetra National Life Insurance Company of New York, New York, NY; Vantis Life Insurance Company, Windsor, CT.